How to create hip and chest bones like the "dude" model has?

Hopefully most here have seen the "Dude" model used in a few of the Unity tutorials, otherwise I may have to post a screenshot to be clear. The model has these unique hip and chest bones that look like multiple bones merged together. I'm wondering how those are created, and also if they are possible to create in Blender?

I've seen lots of tutorials on how to rig a model correctly for Unity, but none of them have these unique bones like the Dude model use... and I'd like to think the people that created these "official" Unity tutorials know what they are doing, and memic that exactly if I can. It looks like it would work better too, it just looks more natural than what you see in tutorials like this one:

https://www.youtube.com/watch?v=Z9iUm2llVPc

That tutorial starts off showing the "dude" model incase you aren't familiar with it. In the very first frame of the video you can see the dude model and the 3-piece (but only one named object) hip bone and chest bone.